Do you know what's the difference between a Product and a Service?
Bringing a product to commercialisation requires huge amounts of capital (for starters, research and development followed by capex to facilitate production) hence the word... PRODUCT...
BNPL is a SERVICE... basically making user experience more enjoyable and flexible to their needs..
Now which do you think is able to scale faster and grow their revenues within say a 3-year period?.... then ask yourself again whether your statement is valid...
CPH Price at posting:
18.5¢ Sentiment: Sell Disclosure: Not Held